It all depends on the type of cryptocurrency you're choosing. If you choose Bitcoin, there's no risk of losing it all in the long run. It keeps going higher in market price due to the way it was designed. Short-term speaking, BTC will go down. But you should take that opportunity to buy as much coins as you can to prepare yourself for the next bull run.

I'd say altcoins are truly a gamble because they're extremely-unpredictable. Many of them have no real utility and are only driven by hype. This could make you lose all of your investment in an instant if people move on to the next big thing in crypto. The situation is worse with "meme" coins such as Dogecoin, and Shiba Inu. If you're going this route, I'd suggest you diversify your investment to minimize losses as much as possible. Who knows where the crypto market will go to next? Just my thoughts

I think that's Tether's huge selling point. It's available on multiple blockchain networks, unlike many of its rivals. Not only that, but the USDT stablecoin has first-mover advantage on the market. It has managed to retain its peg to the US Dollar, even with the banking crisis taking the world by storm.

For Tether to fail, Bitfinex (the issuing company) must cease to exist. And I don't see that happening anytime soon. The company is bigger and stronger than ever. It's likely Tether will remain the sole survivor of the stablecoins group, until CBDCs replace paper money for good. Maybe the US will go as far as adopting USDT as the new "Digital Dollar"? Just my thoughts

Exactly. I'd say 99% of cryptocurrencies are centralized, while only a small few are truly decentralized. It's all about money these days, so exchanges will list coins that will bring the most profits (even if they're utterly-centralized). This is sad because it strips away crypto's original purpose of eliminating the middleman for good. Even ETH became centralized with the PoS upgrade. It's going to get worse if developers successfully increase the minimum ETH for staking from 32 ETH to 2048 ETH. The number of DEXs are also declining, as CEXs are taking over the whole industry.

It's not that people are giving importance to exchanges, but rather VCs and institutional investors alike. Crypto is now in the hands of Wall Street. Centralization will go on top of everything else just to satisfy the government. There's been renewed interest into crypto from institutional investors, so market prices will only go up in the future. Who knows how far BTC will go? Just my thoughts

Even worse, CEXs might become the trading platform for CBDCs after launch. That is if governments are planning to make CBDCs extensible. Sort of like a stablecoin which is programmable and can be used on smart contracts ("De-Fi"). Fiat (either physical or digital) is still the dominating force of the mainstream economy, so don't expect crypto to take over anytime soon. Exchanges (particularly CEXs) will be relavant as long as the world is stuck with the Fiat standard.

Once BTC becomes the standard unit of account (like a reserve currency), CEXs will either cease to exist or switch to crypto-only trading. The crypto world is highly unpredictable, so expect the unexpected. Who knows where the future will lead us? Just my opinion

The competition is pretty stiff these days. There are so many coins out there with attractive features. If Litecoin wants to get all of the attention, the team is going to need to increase marketing/promotion efforts. It's all about the brand. Not the cryptocurrency itself. You can see how ETH is doing better than LTC, even though ETH has a much higher supply. VCs, institutional investors, and whales are all into ETH.

Suprisingly, LTC has managed to stay relevant in the competitive crypto market. It may not have much demand compared to other coins, but it's one of the most accepted cryptocurrencies in the world. Nearly every exchange has an LTC trading pair. It's possible LTC will survive alongside BTC and ETH for generations. As long as it stays decentralized, we should have nothing to worry about. Just my thoughts

BTC recently went to $30k, so going to $0 is very unlikely right now. It'll remain a valuable cryptocurrency during our lifetime. Why would BTC go to $0 when it resembles Gold in every way? There's demand from institutional investors to keep "pumping" the price for quite a long time.

While BTC won't go to zero in the timebeing, it will decline in price due to its extremely-volatile nature. You can take the opportunity to buy coins at the dip and sell them at a higher price in the future. As long as decentralization is preserved, you can rest assured Bitcoin will keep "chugging along" as usual. Who if it goes as far as replacing Fiat in the future? Just my opinion

Technically speaking, there is no difference between Binance's BEP-20 and Ethereum's ERC-20 token standards. It's just that BRC-20 token transfers are cheaper and faster because BSC (Binance Smart Chain) has greater transaction capacity than Ethereum (ETH). But that doesn't mean it will stay like that forever. If BSC becomes heavily-congested, then fees will be the same (or even higher) than ETH. I think most people will choose ERC-20 tokens because of their first-mover advantage on the market. These tokens can be used nearly anywhere, unlike Binance's counterpart.

I've previously mentioned something about BRC-20 tokens being inferior than ERC-20 tokens, and turns out, I was right. You can't just make a complex token with the BRC-20 standard than either the ERC-20 or BEP-20 token standards. Besides, ERC-20 is a little outdated. The new ERC-1155 multi-token standard is a much better choice. We may start seeing an equivalent version on BSC soon. Who knows if these two giants (BSC and ETH) will completely change the "De-Fi" landscape in the future? Just my thoughts

Exactly. That's the problem. Fiat is still the standard unit of account, while BTC is viewed by many as a means for profit. If people started using Bitcoin as a currency, things would've changed by now. But that will never happen in a world where banks and governments rule the mainstream economy. Considering that most jobs are paid in Fiat, exchanges will continue to be relevant in the crypto/Blockchain space. Anything good or bad related to a crypto exchange will quickly move the crypto market. It'll be up to you to decide whenever you'd want to buy more coins and "hodl", or sell them all for a profit.

What matters is that crypto stays decentralized so it could stand the test of time. We already have decentralized exchanges, atomic swaps  and even P2P trading platforms, as alternatives to existing CEXs. If CEXs fail, we can still trade our crypto in a breeze. Who knows how the future will shape the entire crypto/Blockchain industry? Just my opinion

I guess we can call it that way. But how do you explain the volatile market prices? Unlike stocks, crypto has wild fluctuations in price that could either make you poor or rich in an instant. The risk of loss is simply too high to bear. I understand traders are making money within the ups and downs, but they're certainly gambling due to the unpredictable nature of crypto. Unless the world ditches the Fiat standard in favor of the Bitcoin standard, I don't see this changing anytime soon.

I'm hoping Fiat collapses so people start valuing things in BTC terms. We don't know when this will happen (if it ever will) as banks will do everything in their power to avoid being left behind in the dust. At least, mainstream governments are beginning to take crypto/Blockchain tech seriously. Who knows what the future holds for the industry? Just my thoughts

Exactly. We could say the US debt is like a ticking time bomb. It could detonate anytime when you least expect it. Raising the debt limit would only delay the bomb. But it cannot be avoided. Once it detonates, the US and other countries will suffer badly. It's a good thing Bitcoin was created independent from a central authority (central bank, government). Else, it would've died already.

A debt default will only make crypto (especially Bitcoin) stronger in the long run. It's likely BTC market prices will be in the "millions" once this happens. Altcoins usually follow BTC's footsteps, so they will keeping rising like crazy. I'd suggest anyone to put their money into BTC and other "blue chip coins" to protect themselves against a debt default. I'm pretty sure the cost of living in the US and other countries will rise once this happens. No one can predict the future, so let's hope for the best. Just my opinion

Interesting. If you decide to publish the source code or even launch the privacy solution for public use, please let me know. I'd suggest you don't reveal your true identity, or governments will be on your tail. You can see how one of Tornado.Cash's developers was arrested because of his involvement in the project. If he had used a pseudonym, it would've been harder (or almost impossible) to find him. These days mixers are getting scrutinized by mainstream governments, so we should not let our guard down.

I believe all centralized mixers will fail because it's easy enough to shut them down by the authorities. But I cannot say the same about non-custodial or decentralized mixers and/or privacy techniques. Let's see how everything will unfold as crypto/Blockchain tech becomes more popular worldwide.

You need to be careful not to end up paying a very low fee that will end up getting rejected by the network. I've used to paid low gas fees on smart contracts a few years ago, only to realize that my transaction got canceled. My ETH was lost because of this. If you want to avoid this, pay a decent gas fee according to network activity. Etherscan's Gas Tracker is a great tool that lets you know ETH's gas fees in real-time.

I know high gas fees are frustrating, but that's the cost you pay for decentralization. Other chains provide low fees, but they're heavily-centralized (eg: BNB and Solana). I guess you get what you pay for. Luckily, there are off-chain (L2) scaling solutions similar to BTC's Lightning Network on Ethereum. Solutions such as Optimism and Arbitrum have low fees and blazing-fast (near instant) speeds. I know on-chain fees won't stay high forever, so all hope is not lost. Just my thoughts

Of course. Without KYC, I fail to see how centralized exchanges would be able to survive in the long run. Governments will just close their operations for good. With decentralized exchanges, that's another story. There's really no such thing as an exchange (either centralized or decentralized) that's 100% safe and secure. You'd need to protect your crypto by following the necessary security precautions.

Flaws/vulnerabilities will always exist, but if you properly secure your crypto, it'll be almost impossible for malicious actors to rob you. With the FTX collapse, it's likely centralized exchanges will cede control of private keys and/or seeds to customers in the near future. Who knows if this will make CEXs bigger and stronger than ever? Just my thoughts

The US has some crypto-friendly politicians, so all hope is not lost. There's a bill introduced in Congress aiming to remove SEC chairman Gary Gensler from his position. Whenever it'll be approved or rejected by both chambers of Congress (House and Senate) it's yet to be seen. Whatever happens, you can rest assured crypto won't be going anywhere soon. Crypto companies, businesses, and exchanges will move their operations elsewhere if the US continues to treat the industry with an "Iron Fist".

Centralized exchanges are the gateways into and out of the Fiat/crypto worlds, so anything bad related to them will certainly affect market prices in the short-term. Long-term speaking, prices should go all the way to the moon. I'd just forget about the negatives and only focus on the positives. This extended bear market is a great opportunity to grab prominent cryptocurrencies at a huge discount. If you act now, you'll reap the rewards in future. Maybe you'll become the next crypto millionaire? Just my opinion

Most people that are into crypto are not taking it seriously as a tech. They're only investing into it to make a quick buck in return. It will take some time before the market matures to a point where external factors will have little-to-no effect over a cryptocurrency's price. Binance may've suffered from SEC's actions, but that doesn't mean it's the end of the world. It will move its operations elsewhere and carry on with business as usual.

The one that will end up losing is the US with its aggresive crypto regulations. Crypto is decentralized, so it should be able to stand the test of time. If all centralized exchanges go down (which is very unlikely), we'll have decentralized exchanges at our side. Who knows how far will the industry go? Just my thoughts

Well that sucks. I can't imagine how bloated LTC will be once the NFT hype makes a comeback. It will increase on-chain fees, greatly defeating LTC's purpose as digital money for day-to-day payments. Developers should leave NFTs to smart contract blockchains like ETH and BSC, while leaving BTC, LTC, and DOGE alone. Ultimately, the community will decide the best path forward for these cryptocurrencies.

While LTC now has NFT features, there hasn't been any major movement in market prices. The majority is still focused on other coins, particularly those with staking and smart contract features. Only Bitcoin is the exception because it's the one cryptocurrency that started it all. At least, Litecoin has strong support from mainstream exchanges. Nearly every crypto exchange has a trading pair with LTC. Maybe it will survive alongside BTC in the future? Just my opinion

Governments are going to accelerate the process if they want to have full control of the economy. Their main excuse would be to eliminate (or at least reduce) money laundering, tax evasion, and other illegal activities by phasing out paper money for good. But we all know there are other intentions behind this. Many say Internet access would be an issue for mainstream adoption of CBDCs, but satellites already provide the solution. Governments can spend on the necessary infrastructure to include even poor people in the system.

With crypto becoming popular each day, banks will rush in the development of CBDCs to avoid being left behind in the dust. Once paper money is gone, we'll have no way to achieve financial privacy other than using a privacy-oriented cryptocurrency such as Zcash or Monero. Who knows if paper money is phased out faster than we've previously imagined? Just my thoughts

It's very unfortunate to see how the SEC is reacting against this nascent industry. This will set back the US in terms of crypto adoption and innovation. If the regulating agency keeps pushing against crypto exchanges, they will abandon the country and move to a place where they're welcomed with open arms. Hong Kong and the UAE will be "eating the US' cake" faster than you can imagine. Crypto companies and startups already announced their intentions to move there.

Without the US market, I'd envision crypto market prices going down for an extended period of time. US-based customers will have to find a way to buy/sell crypto with USD through other means (P2P, OTC, etc) as there will be no mainstream exchange (CEX) left in the country. This might force the US-based crypto industry to go underground. BNB might've dipped in price, but it could only be temporary as Binance shuts its operations in the US for good. The question is: Are you buying the dip?

The only problem is that these networks are not as decentralized and reliable as Bitcoin or Ethereum. As it's said in the real world, "you get what you pay for". When you pay high fees, you're essentially paying for unmatched security and decentralization. Of course, the network will be congested due to high activity/load. But you'll rest assured your transaction will go through no matter what. Not like Solana that often goes down due to its centralized design (even though you're paying very low fees per transaction).

The future of crypto lies on off-chain scaling solutions (aka Layer-2). It's the safest approach to scale crypto without "harming" the main Blockchain. People are often looking for convenience, so I'm pretty sure they will quickly adopt L2 networks after they're perfected for mainstream use. Who knows if high fees become history some point in the future? Just my opinion

Litecoin can never outperform Bitcoin, especially when it's an altcoin. Demand for LTC is pretty low, because nowadays investors prefer smart contract platforms with NFTs and stablecoins such as Ethereum (ETH) and Solana (SOL). What I do like about Litecoin is that it's much cheaper and faster to use than Bitcoin for day-to-day payments. With a limited supply of only 84m units, we could say Litecoin is like "Silver to Bitcoin's Gold".

The development team recently added a privacy feature called "Mimblewimble" which should differentiate LTC from BTC in the long run. This didn't "pump" LTC's price on the market, probably because of the lack of marketing/promotion from the team. But at least, everything is working as it should. With many exchanges supporting LTC, I don't think the cryptocurrency will disappear anytime soon. Maybe it will live alongside BTC for generations? Just my thoughts